The Standard Chartered Rewards Credit Card is designed for Indian consumers seeking long-term value through structured reward programs, offering up to 8X reward points on spends. As of February 2026, Standard Chartered Bank is the third-largest foreign card issuer in India, with over 6.5 lakh active credit cards. This card provides complimentary domestic airport lounge access, a significant benefit for frequent domestic air travellers.
| Parameter | Details |
|---|---|
| Card Type | Rewards Credit Card |
| Issuer | Standard Chartered Bank, India |
| Target Audience | Salaried and self-employed individuals seeking structured rewards |
| Joining Fee | ₹Nil |
| Annual Fee (First Year) | Free |
| Annual Fee (Second Year Onwards) | ₹1,000 + GST |
| Annual Fee Waiver Condition | Spend ₹1,50,000 or more in the previous calendar year |
| Reward Program Name | Standard Chartered 360° Rewards Points |
| Base Reward Earning Rate | 4 reward points on all retail spends (per ₹150 spent) |
| Accelerated Reward Earning Rate | Additional 4 reward points after reaching a monthly spending threshold (up to 8X total) |
| Bonus Reward Points CAP | 2,000 RP per statement cycle (for accelerated rewards) |
| Reward Points Expiry | Never expire |
| Reward Redemption Ratio | 4:1 (translates to up to 1.33% value-back at 8X rate) |
| Key Benefit: Lounge Access | 1 complimentary domestic airport lounge visit per quarter |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹2,000 |
| Maximum Fuel Surcharge Waiver | ₹400 per month |
| Foreign Currency Transaction Charges | 3.5% + GST (approximately 4.1%) |
| EMI Conversion Feature | ‘Kuch Bhi on EMI’ for purchases over ₹2,000 (tenure 3-60 months) |
| Rent Payment Transaction Charge | 1% of transaction amount (e.g., ₹200 for a ₹20,000 payment) |
| Primary Cardholder Age | 18 to 65 years |
| Add-on Cardholder Minimum Age | 18 years |
| Income Criteria | Stable monthly income required |
| Residency Criteria | Reside in Standard Chartered Bank’s credit card sourcing cities/areas |
| Application Method | Online with instant approval and Video KYC (VKYC) |
| Rewards Rating | 3.5/5 (Source: Paisabazaar, April 2026) |
The card’s easily achievable annual fee waiver condition makes IT accessible, even for moderate spenders, ensuring long-term value for its users.
Standard Chartered Rewards Credit Card in India: Types, Categories & Key Components Explained
Standard Chartered offers a diverse portfolio of credit cards in India, catering to various spending habits and lifestyle needs. As of 2026, the bank is the third-largest foreign card issuer in India, with over 6.5 lakh active credit cards.
| Type/Category | Details | Key Feature |
|---|---|---|
| Standard Chartered Rewards Credit Card | Earns up to 8X reward points on spends, including 4 points on all retail spends and an additional 4 points after reaching a monthly spending threshold. | Complimentary domestic airport lounge access; easily achievable annual fee waiver condition. |
| Standard Chartered Platinum Rewards Credit Card | Earns 5X reward points on dining and fuel spends (5 points per ₹150) and 1X on other spends (1 point per ₹150). | Best for lifestyle shopping, dining, and fuel spends; reward points never expire. |
| Standard Chartered Ultimate Card | Earns 5 reward points per ₹150 spent, with a redemption value of 1 reward point = ₹1. | Access to over 1,000 airport lounges worldwide and premier golf clubs; cashback on duty-free purchases. |
| Standard Chartered Smart Credit Card | Offers 2% cashback on all online purchases and 1% cashback on offline spends. | Assured cashback up to ₹18,000 annually; no cashback on fuel or cash withdrawals. |
| Standard Chartered EaseMyTrip Credit Card | Provides 20% instant discount on hotels and 10% off on flights on EaseMyTrip; 10X accelerated rewards on standalone hotels and flight websites/apps. | Complimentary domestic and international lounge access; premium travel benefits. |
| Standard Chartered Emirates World Credit Card | Offers 10X Reward Points on airline apps/outlets/websites or at standalone hotels. | Up to 20% discount on hotel and flight bookings via EaseMyTrip; a premium travel credit card. |
| Standard Chartered Credit Cards (General) | Offers value back through reward points across categories like shopping, dining, travel, and lifestyle. | Reward points are redeemable via the 360° Rewards Points program against an online catalogue. |
| Standard Chartered Credit Cards (Online Payments) | Designed for both physical and online payments, ensuring security and convenience. | d security for online transactions via 3D secure OTP Verification; supports BharatQR, BBPS & Samsung Secure Pay. |
| Standard Chartered Credit Cards (Travel Benefits) | Provides numerous travel benefits for frequent flyers and international travelers. | Exclusive lounge access at multiple airports globally; rewards and cashback on travel expenses and duty-free shopping. |
| Standard Chartered Credit Cards (EMI Conversion) | Allows conversion of purchases worth more than ₹2,000 into EMIs under the ‘Kuch Bhi on EMI’ feature. | EMI interest rates start from 0.99% per month, with tenures ranging from 3 to 60 months. |
| Standard Chartered Credit Cards (Loan Facility) | Offers a ‘Dial-a-Loan’ feature, allowing users to avail a loan against their credit card. | Maximum loan amount of ₹5 lakh with flexible tenures from 12 to 60 months. |
| Standard Chartered Credit Cards (Eligibility) | Primary cardholders must be 18-65 years old with a stable monthly income and reside in a sourcing city. | Add-on cardholders must be at least 18 years old; eligibility also depends on credit score. |
Each Standard Chartered credit card is tailored to specific user needs, from high-value rewards for premium spenders to cashback for everyday online purchases.
Standard Chartered Rewards Credit Card in India: Key Statistics & Data Points for 2026
The Standard Chartered Rewards Credit Card offers up to 8X reward points on spends, with a value-back of up to 1.33% for high spenders. As of 2026, Standard Chartered is the third-largest foreign card issuer in India, managing over 6.5 lakh active credit cards.
| Metric | Value | Source |
|---|---|---|
| Active Credit Cards (Standard Chartered India) | 6.5 lakh+ (as of February 2026) | BankBazaar.com |
| Foreign Card Issuer Ranking in India | 3rd largest (as of February 2026) | BankBazaar.com |
| Standard Chartered Rewards Credit Card – Max Reward Points | Up to 8X reward points on spends | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Retail Spends Reward Points | 4 reward points per ₹150 spent | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Bonus Reward Points (monthly threshold) | Additional 4 points after reaching monthly spending threshold | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Value-back (8X reward rate) | Up to 1.33% | Paisabazaar.com |
| Standard Chartered Rewards Credit Card – Joining Fee | ₹Nil | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Annual Fee | ₹1,000 + GST | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Annual Fee Waiver Condition | Spends of ₹1,50,000 or more in previous year | Standard Chartered Bank |
| Standard Chartered Rewards Credit Card – Complimentary Domestic Airport Lounge Access | 1 per calendar quarter | Paisabazaar.com |
| Standard Chartered Platinum Rewards Credit Card – Dining & Fuel Reward Points | 5X reward points (5 points per ₹150) | Standard Chartered Bank |
| Standard Chartered Platinum Rewards Credit Card – Other Spends Reward Points | 1 reward point per ₹150 | Standard Chartered Bank |
| Standard Chartered Ultimate Credit Card – Reward Points | 5 reward points per ₹150 spent | Standard Chartered Bank |
| Standard Chartered Ultimate Credit Card – Reward Point Value | 1 reward point = ₹1 | Standard Chartered Bank |
| Standard Chartered Ultimate Credit Card – Forex Markup Fee | 2% + GST (as of 2026) | Paisabazaar.com |
| EMI Conversion Threshold (Kuch Bhi on EMI) | Purchases worth more than ₹2,000 | Standard Chartered Bank |
| EMI Interest Rate (Standard Chartered Credit Cards) | 0.99% p.m. | Standard Chartered Bank |
| Rent Payment Platform Transaction Charge | 1% of transaction amount (e.g., ₹20,000 transaction) | Standard Chartered Bank |
| Fuel Surcharge Waiver (Standard Chartered Rewards Credit Card) | 1% (for transactions between ₹400 and ₹2,000) | Paisabazaar.com |
| Maximum Monthly Fuel Surcharge Waiver | ₹400 | Paisabazaar.com |
The card’s eligibility criteria include an age range of 18-65 years for primary cardholders and a stable monthly income, with online KYC options for instant approval.
How Standard Chartered Rewards Credit Card in India Works: Process, Steps & Key Details
The Standard Chartered Rewards Credit Card application process is fully online, offering instant approval for eligible applicants. You can complete your Know Your Customer (KYC) verification through a video call (VKYC) from home.
This card targets individuals seeking long-term value from a structured reward program, including both salaried and self-employed individuals.
- Online Application: Apply for the Standard Chartered Rewards Credit Card directly through the bank’s website. The process is designed for instant approval, subject to eligibility checks.
- Video KYC (VKYC): Complete your mandatory KYC verification online via a video call, eliminating the need for physical branch visits.
- Eligibility Criteria: Primary cardholders must be between 18 and 65 years old, with add-on cardholders needing to be at least 18 years old. A stable monthly income is required.
- Residency Requirement: Applicants must reside in one of Standard Chartered Bank’s credit card sourcing cities or areas in India.
- Reward Point Earning: Earn up to 8X reward points on spends, including 4 reward points on all retail spends and an additional 4 points after reaching a specific monthly spending threshold.
- Reward Redemption: The 360° Rewards Points program allows redemption against an online catalogue, with a redemption ratio of 4:1, offering up to 1.33% value-back at the 8X reward rate.
- Complimentary Lounge Access: The card provides complimentary access to domestic airport lounges, beneficial for frequent domestic air travelers.
- Fee Waiver Condition: The annual fee of ₹1,000 + GST is waived if you spend ₹1,50,000 or more in the previous year.
- EMI Conversion: Convert purchases worth more than ₹2,000 into EMIs with interest rates starting from 0.99% per month, using the ‘Kuch Bhi on EMI’ feature.
- Payment Options: Make card payments online via net banking, debit card, or UPI, or offline using cash, check, or demand draft at any bank branch.
The card’s structured rewards and convenient digital application process make IT a practical choice for Indian consumers in 2026.
Standard Chartered Rewards Credit Card in India: Benefits, Advantages & Why Students Choose IT
The Standard Chartered Rewards Credit Card offers up to 8X reward points on spends, making IT attractive for high spenders in India. Cardholders also receive complimentary domestic airport lounge access, travel convenience. This card targets users seeking long-term value from structured reward programs.
- Accelerated Reward Points: Cardholders earn 4 reward points on all retail spends and an additional 4 points after reaching a specific monthly spending threshold, totaling up to 8X points.
- Complimentary Lounge Access: The card provides complimentary access to domestic airport lounges, benefiting frequent domestic air travelers.
- Never-Expiring Cashback Points: Cashback points earned with the Rewards Credit Card never expire, offering flexibility for redemption over time.
- EMI Conversion Option: Purchases worth more than ₹2,000 can be converted into EMIs at an interest rate of 0.99% per month, under the ‘Kuch Bhi on EMI’ feature.
- Annual Fee Waiver: The annual fee of ₹1,000 + GST is waived if the cardholder spends ₹1,50,000 or more in the previous year.
- Supplementary Cards: Primary cardholders can get supplementary credit cards without any additional payment for family members aged 18 years or above.
- Online & Offline Payment Options: Card payments can be made conveniently online via net banking, debit card, or UPI, or offline at bank branches using cash, check, or demand draft.
The Standard Chartered Rewards Credit Card provides a blend of reward earnings and travel benefits, making IT a practical choice for individuals seeking value from their credit card usage.
Standard Chartered Rewards Credit Card in India: Vs Alternatives: Which Option is Best?
The Standard Chartered Rewards Credit Card offers up to 8X reward points on spends, making IT suitable for high spenders. Its easily achievable annual fee waiver condition of ₹1.5 lakh in spends provides long-term value for users (Source: SC.bank.in, as of 2026).
| Feature | Standard Chartered Rewards Credit Card | Standard Chartered Platinum Rewards Credit Card | Standard Chartered Ultimate Credit Card |
|---|---|---|---|
| Target Audience | Users seeking long-term value through structured reward programs | Entry-level users, those seeking accelerated rewards on dining/fuel | Frequent travelers, golfers, high-net-worth individuals |
| Joining Fee | ₹Nil | Yes (specific amount not provided, but often waived) | Not specified (typically higher for premium cards) |
| Annual Fee | ₹1,000 + GST (waived on ₹1.5 lakh annual spend) | Yes (renewal fee applies) | Not specified (typically higher for premium cards) |
| Reward Points Earning Rate (General) | 4 reward points per ₹150 on all retail spends | 1 reward point per ₹150 on all other categories | 5 reward points per ₹150 spent |
| Reward Points Earning Rate (Specific Categories) | Additional 4 points after reaching monthly spend threshold (up to 8X total) | 5X reward points on dining and fuel spends (per ₹150) | Not specified (general 5X rate applies to all) |
| Reward Redemption Value | Up to 1.33% value-back (8X reward rate, 4:1 redemption ratio) | Not specified (standard redemption rates apply) | 1 reward point = ₹1 (3.33% reward value for all spends) |
| Complimentary Lounge Access | Domestic airport lounge access | Domestic airport lounge access | Access to airport lounges (global) |
| Other Key Benefits | Never-expiring cashback points | Dial-a-Loan feature available | Access to premier golf clubs, cashback on duty-free purchases |
| EMI Conversion | Purchases > ₹2,000 convertible to EMI at 0.99% p.m. | Purchases > ₹2,000 convertible to EMI at 0.99% p.m. | Purchases > ₹2,000 convertible to EMI at 0.99% p.m. |
The Rewards Credit Card provides a strong value proposition for everyday spending with its tiered reward structure and accessible fee waiver. For those prioritizing travel and luxury, the Ultimate Card offers broader lounge and golf access, while the Platinum Rewards Card suits users focused on dining and fuel benefits.
Common Misconceptions About Standard Chartered Rewards Credit Card in India
Many users misunderstand key aspects of the Standard Chartered Rewards Credit Card, particularly its reward point structure and fee waiver conditions. For instance, while the card offers up to 8X reward points, this rate includes bonus points earned only after specific monthly spending thresholds are met.
Clarifying these points helps cardholders maximize benefits and avoid unexpected charges.
- Misconception 1: All spends earn 8X reward points. The card offers 4 reward points on all retail spends, with an additional 4 points (total 8X) only after reaching a specific monthly spending threshold.
- Misconception 2: Reward points never expire for all Standard Chartered cards. While the Rewards Credit Card’s cashback points never expire, other cards like the Standard Chartered EaseMyTrip credit card have reward points that expire within two years from the earning date.
- Misconception 3: The annual fee is always ₹1,000 + GST. The annual fee of ₹1,000 + GST for the Rewards Credit Card is waived if you spend ₹1,50,000 or more in the previous year. The first year’s fee is also free.
- Misconception 4: All Standard Chartered credit cards offer complimentary lounge access. While many Standard Chartered cards offer lounge access, the Rewards Credit Card specifically provides 1 complimentary domestic airport lounge visit per calendar quarter. Other premium cards offer more extensive access.
- Misconception 5: Reward points are always worth ₹1 per point. For the Rewards Credit Card, the redemption ratio is 4:1, translating the 8X reward rate to merely up to 1.33% value-back. The Ultimate card, however, offers 1 reward point equal to ₹1.
Understanding these specific terms ensures cardholders can effectively utilize the Standard Chartered Rewards Credit Card.
What to Do Next: Actionable Steps
Applying for the Standard Chartered Rewards Credit Card in 2026 involves a straightforward online process with instant approval. You can complete your Know Your Customer (KYC) verification through a video call (VKYC) from your home.
- Check Eligibility: Ensure you are between 18 and 65 years old and have a stable monthly income. Standard Chartered requires you to reside in one of their credit card sourcing cities or areas in India.
- Gather Documents: Prepare necessary identity proof (Aadhaar, PAN), address proof, and income documents (salary slips, bank statements) for a smooth application.
- Apply Online: Visit the official Standard Chartered Bank website for credit cards to initiate your application. The online portal guides you through each step.
- Complete VKYC: After submitting your application, complete the video KYC process. This verifies your identity remotely, eliminating the need for a branch visit.
- Understand Fees and Waivers: The card has an annual fee of ₹1,000 + GST from the second year. This fee is waived if you spend ₹1.5 lakh or more in the previous calendar year.
- Explore Reward Redemption: Familiarize yourself with the 360° Rewards Points program. You can redeem points against an online catalogue or convert them to Air Miles.
By following these steps, you can efficiently apply for and maximize the benefits of your Standard Chartered Rewards Credit Card in 2026.
Key Takeaways
- The Standard Chartered Rewards Credit Card offers up to 8X reward points on spends, translating to a value-back of up to 1.33% for high spenders.
- Cardholders receive complimentary domestic airport lounge access, a key benefit for frequent domestic air travelers.
- The annual fee of ₹1,000 + GST is waived if you spend ₹1.5 lakh or more in the preceding year, making IT achievable for many users.
Check your eligibility and apply for the Standard Chartered Rewards Credit Card directly on the official Standard Chartered Bank India website.
Frequently Asked Questions (FAQs)
What are the key benefits of the Standard Chartered Rewards Credit Card in India?
The Standard Chartered Rewards Credit Card offers up to 8X reward points on spends, with 4 points per ₹150 on retail and additional points for meeting monthly spending thresholds. Cardholders also receive complimentary access to domestic airport lounges, which is useful for frequent domestic travelers. The card fee is ₹750 annually, but IT can be waived by meeting specific spending conditions.
How do I earn reward points with the Standard Chartered Rewards Credit Card?
You earn 4 reward points for every ₹150 spent on all retail purchases using your Standard Chartered Rewards Credit Card. An additional 4 reward points per ₹150 are earned if you reach a specific monthly spending threshold. This allows high spenders to maximize their reward earnings up to 8X.
What is the value-back on reward points for the Standard Chartered Rewards Credit Card?
The maximum value-back on the Standard Chartered Rewards Credit Card is up to 1.33%, even with the 8X reward rate. This is based on a redemption ratio of 4:1, meaning 4 reward points typically equate to ₹1 in value. Cardholders should check the latest redemption catalogue for specific values.
Can I get airport lounge access with the Standard Chartered Rewards Credit Card?
Yes, the Standard Chartered Rewards Credit Card provides complimentary access to domestic airport lounges. This benefit is particularly advantageous for individuals who travel frequently within India. Details on the number of complimentary visits and participating lounges are available on the bank’s official website.
What is the annual fee for the Standard Chartered Rewards Credit Card and how can IT be waived?
The Standard Chartered Rewards Credit Card has an annual fee of ₹750. This fee can be waived if the cardholder meets specific spending conditions within a year. Even low spenders can typically achieve the waiver requirement, making the card more cost-effective.
How can I redeem my Standard Chartered 360° Rewards points?
You can easily redeem your Standard Chartered 360° Rewards points through the bank’s online catalogue. This catalogue allows you to exchange points for various products, vouchers, or services. Visit the Standard Chartered Bank India website for the latest redemption options and procedures.
What other types of credit cards does Standard Chartered offer in India?
Standard Chartered offers a range of credit cards in India tailored to different lifestyles, including the Ultimate card, Smart Credit Card, and Platinum Rewards card. The Ultimate card, for instance, offers 5 reward points per ₹150 spent and access to airport lounges and golf clubs. Each card has unique features, benefits, and reward structures.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.